Group Life & Medical Insurance
- Group Life Insurance
- Individual Life Insurance
- Medical Insurance
Our Products
Cover designed around how Liberian teams actually work
Three straightforward ways to protect your employees — pick one, or combine life and medical into a single policy.
Group Medical Insurance
Health cover for your employees and, if you choose, their spouses and children. Members use a cashless card at our network hospitals and clinics.
What is covered
- Consultations with general and specialist doctors
- Laboratory tests, scans and diagnostics
- Prescribed medication
- Hospital admission, surgery and intensive care
- Maternity and newborn care
- Emergency treatment and ambulance transfer
Benefit classes, simply put
A benefit class is simply a package level. Employers usually set 2–4 classes so cover matches roles and budget.
- Class A — Executive
- Highest annual limit, private room, wider specialist access.
- Class B — Management
- Strong limits with semi-private accommodation.
- Class C — General staff
- Core outpatient and inpatient cover at everyday limits.
The three terms you'll hear
- OPD — Outpatient
- Care where you go home the same day: seeing a doctor, tests, and medicine.
- IPD — Inpatient
- Care where you are admitted overnight, including surgery and recovery.
- R&B — Room & Board
- The daily amount your plan pays for the hospital bed, meals and nursing.
Group Life Insurance
A cash benefit paid to an employee's family or to the employee, depending on what happens. No medical exams for standard group cover.
Request a QuoteSum assured
The agreed amount of cover, usually a multiple of annual salary — for example 24 months' pay.
Death benefit
If an employee passes away while employed, the full sum assured is paid to their named beneficiaries.
Disability benefit
If an accident or illness permanently prevents an employee from working, a lump sum is paid to them.
Funeral benefit
A fast, smaller cash payment released quickly to help the family cover immediate funeral costs.
Most popular
Combined Plans
Group medical and group life on one policy, one renewal date and one invoice. Your HR team manages a single member list, and employees carry one card.
- Discounted combined premium
- Single enrolment and renewal cycle
- One dedicated account manager
- Unified claims and utilisation reporting
Our Services
Beyond insurance policies, we deliver end-to-end health and emergency support for employers and their teams.
Establish Site Clinics
Set up and run on-site clinics at your workplace so staff get care without leaving the office.
Medical Emergency Response Team (MERT)
Trained first-response teams ready to act when a medical emergency happens at your site.
Ambulance Service
Reliable ambulance transfer to get your people to the right facility quickly when minutes matter.
International Service (Optional)
Optional overseas cover and evacuation support for employees who travel or relocate abroad.
Ready to protect your workforce?
Tell us about your team and we'll build a plan that fits your budget and your people.